Buy Cheap Pagosa Springs, CO Auto Insurance (2021)

Pagosa Springs, CO auto insurance rates average $309 a month. Minimum auto insurance requirements in Pagosa Springs, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Pagosa Springs, CO, compare Pagosa Springs auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Pagosa Springs after a DUI is Allstate
  • Average auto insurance rates in Pagosa Springs, CO for teens drivers are $7,089/year
  • Average auto insurance rates in Pagosa Springs, CO are $309/month

Finding affordable Pagosa Springs, Colorado auto insurance can be challenging, but everything you need to know to buy cheap Pagosa Springs, CO auto insurance with confidence is right here. Auto insurance rates in Pagosa Springs are affected by local factors as well as personal ones like your driving record.

See how Pagosa Springs, CO car insurance rates compare to Aurora auto insurance rates, Centennial auto insurance rates, and Denver auto insurance rates before you read more about the cost of auto insurance in Pagosa Springs.

Don’t buy Pagosa Springs, CO auto insurance until you’ve compared rates. Get free Pagosa Springs, Colorado auto insurance quotes when you enter your ZIP code above.

Pagosa Springs, CO Minimum Auto Insurance Requirements

The required auto insurance in Pagosa Springs, CO is 25/50/15 according to the auto insurance laws in Colorado. The minimum auto insurance in Pagosa Springs, Colorado is outlined here.

Minimum Required Auto Insurance Coverage in Pagosa Springs, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Pagosa Springs, CO Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Pagosa Springs, CO. Take a look at Pagosa Springs, Colorado auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Pagosa Springs, Colorado

Insurance Company Poor Fair Good
Allstate $6,902 $5,305 $4,011
American Family $4,579 $3,259 $2,732
Farmers $5,264 $4,266 $4,055
GEICO $3,405 $2,834 $2,263
Liberty Mutual $3,929 $2,387 $1,905
Nationwide $3,990 $3,154 $2,751
Progressive $5,075 $4,320 $3,962
State Farm $4,477 $2,872 $2,313
USAA $5,019 $2,839 $2,269

Buy Cheap Pagosa Springs, CO Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Pagosa Springs, Colorado auto insurance rates? Find out how car insurance rates in Pagosa Springs, CO are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Pagosa Springs, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,362 $3,153 $3,007 $3,041 $11,315 $11,849 $3,739 $3,781
American Family $2,408 $2,408 $2,173 $2,173 $5,835 $7,829 $2,408 $2,955
Farmers $2,674 $2,654 $2,425 $2,607 $9,924 $10,006 $2,944 $2,991
GEICO $1,828 $1,975 $1,868 $2,075 $5,566 $5,927 $1,687 $1,743
Liberty Mutual $1,894 $1,866 $1,607 $1,762 $5,240 $5,705 $1,910 $1,939
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,735 $2,559 $2,356 $2,353 $9,197 $10,308 $3,095 $3,017
State Farm $2,064 $2,064 $1,834 $1,834 $5,695 $7,252 $2,301 $2,719
USAA $2,287 $2,304 $2,162 $2,193 $5,518 $6,351 $2,950 $3,241

Buy Cheap Pagosa Springs, CO Auto Insurance for Teen Drivers

Auto insurance for teenagers in Pagosa Springs can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Pagosa Springs, CO are listed here.

Annual Auto Insurance Rates for Teen Drivers in Pagosa Springs, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,849
American Family $5,835 $7,829
Farmers $9,924 $10,006
GEICO $5,566 $5,927
Liberty Mutual $5,240 $5,705
Nationwide $5,513 $7,064
Progressive $9,197 $10,308
State Farm $5,695 $7,252
USAA $5,518 $6,351

Buy Cheap Pagosa Springs, CO Auto Insurance for Seniors

You can save on senior auto insurance rates in Pagosa Springs, Colorado by comparing Pagosa Springs senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Pagosa Springs, CO here.

Annual Auto Insurance Rates for Senior Drivers in Pagosa Springs, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,007 $3,041
American Family $2,173 $2,173
Farmers $2,425 $2,607
GEICO $1,868 $2,075
Liberty Mutual $1,607 $1,762
Nationwide $1,977 $2,093
Progressive $2,356 $2,353
State Farm $1,834 $1,834
USAA $2,162 $2,193

Find Cheap Auto Insurance Rates in Pagosa Springs, CO by Coverage Level

The amount of coverage you choose is a big factor in the cost of Pagosa Springs, Colorado auto insurance. Compare Pagosa Springs, CO auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Pagosa Springs, Colorado

Insurance Company Low Medium High
Allstate $5,139 $5,389 $5,690
American Family $3,352 $3,597 $3,622
Farmers $3,995 $4,466 $5,123
GEICO $2,632 $2,798 $3,072
Liberty Mutual $2,594 $2,730 $2,898
Nationwide $3,323 $3,295 $3,276
Progressive $4,151 $4,464 $4,743
State Farm $3,037 $3,222 $3,403
USAA $3,243 $3,375 $3,509

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Find Cheap Pagosa Springs, CO Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Pagosa Springs. Compare auto insurance rates in Pagosa Springs, CO by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Pagosa Springs, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,406 $5,406
American Family $3,448 $3,599
Farmers $4,528 $4,528
GEICO $2,770 $2,898
Liberty Mutual $2,740 $2,740
Nationwide $3,298 $3,298
Progressive $4,452 $4,452
State Farm $3,142 $3,299
USAA $3,279 $3,472

Find Cheap Pagosa Springs, CO Auto Insurance Rates by Driving Record

Auto insurance rates in Pagosa Springs, Colorado are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Pagosa Springs, CO, take a look at the average cost for various violations versus rates for a clean driving record in Pagosa Springs.

Annual Pagosa Springs, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,626 $5,302 $6,468 $5,228
American Family $2,604 $3,704 $4,833 $2,953
Farmers $3,827 $4,908 $4,843 $4,534
GEICO $2,029 $3,110 $3,527 $2,669
Liberty Mutual $2,389 $2,807 $2,930 $2,835
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,860 $5,364 $4,076 $4,510
State Farm $2,982 $3,459 $3,220 $3,220
USAA $2,485 $3,007 $5,206 $2,806

Find Cheap Pagosa Springs, CO Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Pagosa Springs, Colorado is higher than for a clean driving record. You can buy auto insurance after a DUI in Pagosa Springs for less when you shop around and compare rates from multiple Pagosa Springs, CO auto insurance companies.

Annual Auto Insurance Rates After a DUI in Pagosa Springs, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,468
American Family $4,833
Farmers $4,843
GEICO $3,527
Liberty Mutual $2,930
Nationwide $4,398
Progressive $4,076
State Farm $3,220
USAA $5,206

Winners by Category: Where to Buy Cheap Auto Insurance in Pagosa Springs, CO

Compare rates from the cheapest auto insurance companies in Pagosa Springs, CO for your needs. Take a look at how Pagosa Springs, Colorado auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Pagosa Springs, Colorado

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident Liberty Mutual
With 1 DUI Liberty Mutual
With 1 Speeding Violation GEICO

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Find Cheap Pagosa Springs, Colorado Auto Insurance Companies

If you’re looking for the cheapest Pagosa Springs, CO auto insurance companies overall, you can compare them here. Find the best price for Pagosa Springs, Colorado car insurance by company.

Average Annual Auto Insurance Rates by Company in Pagosa Springs, Colorado

Insurance Company Average Annual Rates
Allstate $5,406
American Family $3,523
Farmers $4,528
GEICO $2,834
Liberty Mutual $2,740
Nationwide $3,298
Progressive $4,452
State Farm $3,220
USAA $3,376

What affects Pagosa Springs, Colorado auto insurance rates?

Local factors affect auto insurance rates in Pagosa Springs, CO, including traffic, theft statistics, and commute length. Take a look at the things that impact Pagosa Springs auto insurance rates.

Commute Times in Pagosa Springs

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Pagosa Springs, CO is 9.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Pagosa Springs, CO

You can buy cheap Pagosa Springs, CO auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Pagosa Springs, Colorado auto insurance quotes from top companies.

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